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This catches a lot of good business owners out. If your staff bring their own tools to work, they might not actually be covered. Most business insurance policies don’t automatically cover employee effects — or the limit is much lower than people expect. So when there’s a break-in, tools get stolen, and your team finds out the hard way. That’s not a great position for anyone. The good news? A small policy tweak can usually fix it. And it sends a strong message to your team that you’ve actually got their backs. I’m Cohen, your Christchurch business insurance broker. I help Christchurch business owners make sure there aren’t hidden gaps in their cover. If you’re not 100% sure your policy covers staff tools properly, call me on 027 304 1215 Or email [email protected] Protect your business. Protect your team.